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Features of IndusInd Bank EazyDiner Premium Credit Card

  • Dining-Centric Rewards Structure:
    The card offers guaranteed 25% to 50% discounts at over 2,000 premium restaurants and bars across India through the EazyDiner Prime membership. Discounts apply when booking via the EazyDiner app, with an additional 25% off (up to ₹1,000) auto-applied on payments through PayEazy, the app’s built-in payment platform. This dual-discount feature can lead to savings up to 50% on dining bills.
  • Complimentary EazyDiner Prime Membership:
    Cardholders receive a complimentary 12-month EazyDiner Prime membership valued at ₹2,495. This unlocks priority reservations, access to premium restaurants, and perks like complimentary desserts or drinks at select venues. The membership auto-renews annually upon payment of the card renewal fee, ensuring uninterrupted benefits.
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    • Complimentary EazyDiner Prime Membership: One of the standout features is the complimentary 12-month EazyDiner Prime membership, valued at ₹2,495. This membership unlocks exclusive privileges, such as priority reservations, access to premium restaurants, and additional perks like complimentary desserts or drinks at select establishments. The membership is automatically renewed annually upon payment of the card’s renewal fee, ensuring continuous access to these benefits without additional cost. This feature enhances the dining experience by providing seamless access to top-tier culinary venues.
    • Accelerated EazyPoints Program: The card offers an accelerated rewards program with 3X EazyPoints on all transactions made through the EazyDiner app. Cardholders earn 10 reward points for every ₹100 spent on dining, shopping, and entertainment, and 4 reward points per ₹100 on other spends (excluding fuel). These points can be redeemed instantly against restaurant bills via PayEazy, with 1 reward point equating to ₹0.20. Additionally, 2,000 welcome bonus EazyPoints are credited upon joining, providing immediate value. The ability to redeem points for free meals, luxury hotel stays, or exclusive restaurant events adds versatility to the rewards structure.
    • Complimentary Alcoholic Beverage Offer: At over 200 select restaurants, cardholders can enjoy a complimentary premium alcoholic beverage for each diner. This feature, accessible through the “Free Drink” filter on the EazyDiner app, enhances the dining experience by adding a touch of luxury. The brand and serving size are at the restaurant’s discretion, but the offer is a significant value-add for those who enjoy a drink with their meal. This perk is particularly appealing for social gatherings or special occasions.
    • Contactless Payment Technology: The card is equipped with contactless payment technology, allowing for fast, secure, and convenient transactions by tapping the card at merchants accepting contactless payments. This feature is ideal for quick purchases at restaurants, retail stores, or other outlets, enhancing the user experience with seamless payment processing. The contactless feature supports transactions up to ₹5,000 without a PIN, making it efficient for everyday use.
    • Travel Benefits: Airport Lounge Access: Travel perks include two complimentary domestic airport lounge visits per calendar quarter, totaling eight visits annually. These lounges offer gourmet meals, comfortable seating, free Wi-Fi, and a relaxing environment, making layovers or pre-flight waits more enjoyable. The list of eligible lounges is available on the IndusInd Bank website, ensuring cardholders can plan their visits effectively. This feature caters to frequent travelers who value comfort and convenience.
    • Entertainment Perks: Movie Ticket Discounts: The card provides two complimentary movie tickets worth ₹200 each per month on BookMyShow, totaling ₹4,800 in annual savings. This feature is ideal for movie enthusiasts, allowing them to enjoy blockbusters or indie films at a reduced cost. Unlike buy-one-get-one offers, this discount applies to single tickets, offering flexibility for solo outings or group plans.
    • Postcard Hotel Stay Voucher: As a welcome benefit, cardholders receive a ₹5,000 voucher for The Postcard Hotel, a chain of luxury boutique hotels in India and abroad. This voucher can offset costs for a stay at stunning destinations, adding a travel-centric perk to the card’s repertoire. While the voucher may not cover the full cost of a stay (as these hotels often exceed ₹30,000 per night), it provides a meaningful discount for a luxurious getaway.
    • Fuel Surcharge Waiver: The card offers a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, capped at ₹250 per billing cycle. This feature is practical for cardholders who drive frequently, providing modest savings on fuel expenses across all petrol pumps in India.
    • Insurance and Fraud Protection: The “Total Protect” program covers unauthorized transactions up to the card’s credit limit, even 48 hours before reporting a lost or stolen card. This feature provides peace of mind, ensuring financial security in case of card misuse. The program extends to add-on cards, offering comprehensive protection for all cardholders.
    • Global Acceptance and Versatility: Built on the Visa platform, the card is accepted at over 1 million merchants in India and 30 million worldwide, making it a versatile tool for dining, shopping, travel, and online purchases. It supports secure online transactions, utility bill payments, and cash withdrawals, ensuring it meets diverse financial needs.
    • Add-On Card Benefits: Cardholders can request add-on cards for family members, which carry the same benefits as the primary card, including dining discounts, lounge access, and reward points accrual. This feature allows families to maximize the card’s value across multiple users.
    • Flexible Redemption Options: Reward points and EazyPoints can be redeemed for a variety of options, including restaurant bill payments, luxury hotel stays, or exclusive events. The instant redemption feature via PayEazy ensures cardholders can use their points seamlessly during dining experiences, enhancing the card’s practicality.
    • No Monthly Reward Cap: Unlike some cards that cap monthly reward points, this card allows unlimited reward accumulation, provided transactions are eligible. This feature is advantageous for high spenders who dine out frequently or use the card for shopping and entertainment.
    • Customizable Credit Limit: The credit limit is determined based on the cardholder’s income, credit score, and repayment history, offering flexibility to meet individual financial needs. Existing IndusInd Bank cardholders with a limit above ₹1.5 lakh can split a portion to obtain this card, streamlining the application process.
    • Secure Online Transactions: The card incorporates enhanced security features for online transactions, including OTP-based authentication and Visa’s secure payment protocols, ensuring safe e-commerce and bill payments.
    • Dynamic Restaurant Network: The EazyDiner app’s restaurant network is dynamic, with new partners added regularly. This ensures cardholders have access to an evolving list of premium dining venues, keeping the experience fresh and exciting.
    • Eco-Friendly Digital Statements: Cardholders receive digital statements, reducing paper usage and providing easy access to transaction history via IndusNet or IndusMobile. This feature aligns with modern banking trends and environmental consciousness.
    • 24/7 Customer Support: IndusInd Bank offers round-the-clock customer support via phone or email, ensuring assistance for queries, card blocking, or dispute resolution at any time.
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Benefits of IndusInd Bank EazyDiner Premium Credit Card

  • 1. Significant Dining Savings:
    • Massive Discounts: Enjoy up to 50% savings at 2,000+ premium restaurants through 25% EazyDiner Prime and 25% PayEazy discount (up to ₹1,000 per transaction).
    • Unlimited Usage: No monthly cap on discounts; use unlimited times with a 120-minute gap between consecutive visits to the same restaurant.
    • High-Impact Savings: A ₹3,000 dining bill can drop to around ₹1,650—up to 45% savings per meal.
  • 2. Complimentary EazyDiner Prime Membership:
    • 12-Month Membership: Get a free EazyDiner Prime membership worth ₹2,495 on card activation.
    • Exclusive Privileges: Access guaranteed discounts of 25%–50%, priority reservations, and occasional complimentary desserts or cakes.
    • Seamless Renewal: Continue benefits annually by renewing the membership at ₹1,999, maximizing long-term value.
    • High-Value Welcome Benefits: New cardholders receive 2,000 bonus EazyPoints, a ₹5,000 Postcard Hotel voucher, and EazyDiner Prime membership worth ₹9,000+, offering instant value upon activation.
    • Enhanced Rewards Accumulation: Earn 3X EazyPoints and 10 reward points per ₹100 on dining, shopping, and entertainment; no monthly cap allows rapid point accumulation and greater savings.
    • Complimentary Alcoholic Beverages: Enjoy a complimentary premium drink at 200+ restaurants, saving ₹300–₹500 per visit and enhancing social dining experiences.
    • Airport Lounge Access: Eight free domestic lounge visits annually save up to ₹16,000, providing travelers with gourmet meals, Wi-Fi, and comfort before flights.
    • Movie Ticket Savings: Get two complimentary BookMyShow movie tickets worth ₹200 each per month, offering up to ₹4,800 yearly savings for entertainment lovers.
    • Fuel Cost Reduction: A 1% fuel surcharge waiver (up to ₹250/month) offers up to ₹3,000 annual savings on fuel expenses.
    • Financial Security with Total Protect: Protection against unauthorized transactions up to the credit limit, including 48 hours prior to card loss reporting, ensures peace of mind.
    • Luxury Hotel Stay Discounts: Use a ₹5,000 Postcard Hotel voucher for premium stays, reducing travel costs and adding luxury to vacations.
    • Global Usability: Accepted at 30 million+ merchants worldwide, the card supports international travel, shopping, bill payments, and ATM withdrawals.
    • Add-On Card Advantages: Up to 5 free add-on cards share full benefits, helping families earn and redeem rewards collectively.
    • Instant Reward Redemption: Use PayEazy to redeem points instantly while dining, directly lowering your bill at participating restaurants.
    • Contactless Convenience: Tap-to-pay support ensures fast and secure transactions at dining outlets, stores, and transit locations.
    • Flexible Credit Limit: Customized credit limit based on income and credit profile offers tailored financial freedom for spending.
    • Secure Online Shopping: OTP-based authentication and secure protocols ensure safe payments for e-commerce, travel, and utilities.
    • Dynamic Dining Network: Constantly expanding partner restaurants provide cardholders with fresh dining options and consistent discounts.
    • Eco-Conscious Banking: Digital statements promote paperless banking, supporting sustainability while offering online access via IndusNet or IndusMobile.
    • 24/7 Customer Support Access: Round-the-clock phone and email support ensures quick issue resolution, from card blocking to dispute handling.
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How to Apply for IndusInd Bank EazyDiner Premium Credit Card

  • Online Application: Visit IndusInd website → Credit Cards → EazyDiner Premium → Apply Now.
  • Step-by-Step Digital Process:
    • Fill in personal details like name, PAN, mobile number, and address.
    • Enter employment type, income details, and employer/business name.
    • Upload Aadhaar, PAN, and address proof (utility bills/passport) for e-KYC.
    • Verify identity via OTP and complete Video KYC, if prompted.
    • Receive application acknowledgment with tracking reference.
  • Offline Application:
    • Visit your nearest IndusInd Bank branch.
    • Fill out the physical form and submit self-attested ID, address, and income documents.
    • Receive reference number and await verification call or in-person check.
  • Application Tips:
    • Ensure credit score is above 750 for better approval chances.
    • Use clear and valid scanned documents.
    • Avoid applying for multiple credit cards simultaneously.
    • Be available for verification calls or video KYC sessions.
  • Other Considerations:
    • Existing IndusInd cardholders with limits above ₹1.5 lakh can split limits to get this card via EasyCredit.
    • Joining/annual fee is ₹1,999 + GST.
    • Online applications are typically processed faster (3–5 days) than offline (5–7 days).
    • Post-approval, activate and manage the card via IndusNet or IndusMobile.
    • Pre-Approved Offer Check: Use the “Pre-Qualified Offers” tool on the website by entering your PAN and mobile to see instant eligibility.
    • Post-Submission Tracking: Monitor your application status online or via SMS using your reference number; follow up if processing exceeds expected timelines.
    • Customer Care Support: For queries or delays, call IndusInd Bank’s 24x7 toll-free number or raise a request via the mobile app.
    • Document Retention: Keep digital copies of all uploaded documents and your application reference until the card is activated.

Eligibility Criteria for IndusInd Bank EazyDiner Premium Credit Card

  • 1. Age Requirements
    • Primary Cardholder: 21–60 years
    • Salaried: Retirement age considered for upper limit
    • Self-Employed: Must be within earning age
  • 2. Occupation & Employment
    • Salaried or self-employed individuals eligible
    • Salaried: Minimum 6–12 months with current employer
    • Self-employed: Business operational for 1–2 years
  • 3. Income Requirements
    • Minimum ₹20,000/month (₹2.4 lakh annually)
    • Signature Variant: ₹30,000–₹50,000/month preferred
    • Higher thresholds may apply in Tier-1 cities
  • 4. Credit Score & History
    • Preferred Credit Score: 750+
    • Clean credit history with no recent defaults
    • Low credit utilization and minimal hard inquiries
  • 5. Citizenship & Residency
    • Must be an Indian citizen residing in India
    • Address should match valid proof and be stable
  • 6. Debt-to-Income (DTI) Ratio
    • DTI ideally below 40%
    • High DTI (above 50%) may lead to rejection
  • 7. Existing IndusInd Relationship (Optional)
    • Existing account/cardholders may get relaxed criteria
    • Split credit limit option available for current cardholders
  • 8. KYC Compliance
    • Submission of PAN, Aadhaar, and address proof mandatory
    • KYC documents must be valid and current
  • 9. Contactability
    • Must have valid mobile number and email ID
    • Residence should fall within serviceable PIN codes
  • 10. Add-On Card Eligibility
    • Add-on cardholders must be 18+ years
    • Eligibility tied to primary cardholder's profile
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Documents Required for IndusInd Bank EazyDiner Premium Credit Card

  • 1. Identity Proof (Any One):
    • Aadhaar Card: Preferred for e-KYC; must be linked to mobile for OTP verification
    • PAN Card: Mandatory for all credit card applications
    • Passport: Valid, includes photo and address
    • Voter ID: Accepted but less preferred
    • Driving License: Must include photo and current address
  • 2. Address Proof (Any One):
    • Aadhaar Card: If not used as ID proof
    • Passport: Should mention current address
    • Utility Bill: Electricity/water/gas bill (not older than 3 months)
    • Rental Agreement: Registered, including applicant’s name and address
    • Voter ID / Driving License: If it includes current address
    • Bank Statement: Last 3 months with your name and address
  • 3. Income Proof:
    • Salaried Individuals:
      • Last 3 months’ salary slips
      • Last 3–6 months bank statements showing salary credits
      • Latest Form 16 or ITR
      • Appointment letter (optional but supportive)
    • Self-Employed Individuals:
      • Last 1–2 years ITRs with computation of income
      • Audited financials – profit & loss statement, balance sheet
      • 6–12 months business/personal bank statements
      • Business registration proof (GST certificate, shop license, partnership deed, etc.)
  • 4. Photograph:
    • Recent passport-sized photo (35mm x 45mm, white background)
    • Required for offline and possibly for online video KYC
  • 5. Application Form:
    • Filled and signed form for offline application
    • Digital submission for online applications
    • Details must match KYC documents
  • Self-attest photocopies by signing across documents for offline submissions
  • Upload high-resolution digital copies (300 DPI) in PDF or JPEG formats
  • Ensure no expired documents; verify all info is consistent
  • Mismatch in address/name? Provide supporting documents like affidavit or gazette notification
  • Organize and label documents clearly before submission
  • Physical Verification: For offline applicants
  • Video KYC: Online users may undergo a video verification showing original documents
  • Credit Bureau Check: Done automatically using PAN details

Factors Affecting IndusInd Bank EazyDiner Premium Credit Card Approval

  • 1. Credit Score and History: A credit score above 750 significantly boosts approval chances by demonstrating responsible credit behavior. Scores between 700–749 may still qualify but could attract lower limits or higher scrutiny. Scores below 700, along with any defaults or write-offs in the last 2 years, are likely to result in outright rejection.
  • 2. Income Level and Stability: A minimum documented income of ₹20,000/month is required, but many branches prefer ₹25,000–₹30,000 for better limit offers. Lenders look for consistent salary credits or business revenues over the past 6–12 months. Commission-based or seasonal incomes may need supplemental ITRs or bank statements to prove stability.
  • 3. Debt-to-Income (DTI) Ratio: A DTI ratio below 40% (total monthly EMIs plus rent/lease payments divided by net income) signals healthy repayment capacity. Ratios above 50% suggest over-leveraging and can lead to application decline or a much lower credit limit.
  • 4. Employment and Job Stability: Salaried applicants typically need at least 6 months in their current role; those in critical sectors (IT, healthcare, finance) may qualify sooner. Self-employed professionals and business owners should show 1–2 years of profitable operations, supported by audited P&L statements or GST filings.
  • 5. Credit Utilization Ratio: Keeping overall credit utilization below 30% across all cards and loans demonstrates prudent usage. A spike above 50% in recent months—especially just before application—can alarm underwriters and trigger rejection or reduced limits.
  • 6. Number of Existing Credit Cards and Loans: An optimal profile includes 1–3 active credit cards and no more than 2 secured/unsecured loans. More than 4 credit cards or multiple overlapping EMIs indicate high exposure, which banks interpret as elevated risk.
  • 7. Age of Applicant: The preferred age bracket is 25–50 years, aligning with peak earning capacity. Applicants younger than 21 need a co-applicant or guarantor, while those over 55 may face reduced limits or require proof of post-retirement income (pension statements).
  • 8. Residential Stability: Candidates residing at the same address for at least 6 months are viewed more favorably. Frequent relocations—especially across states—may prompt additional address verification, potentially delaying approval by 2–3 weeks.
  • 9. Existing Relationship with IndusInd Bank: Customers with savings or fixed deposits above ₹50,000 or a history of timely payments on existing IndusInd credit products often enjoy fast-track approvals and may be offered higher credit limits with minimal documentation.
  • 10. Application Accuracy and Completeness: Ensure all fields in the application form match KYC documents exactly. Any discrepancy in spelling, name order, or address formats triggers manual reviews. Upload clear, self-attested scans in the correct format (PDF/JPEG) to avoid rejections.
  • 11. Internal Bank Policies: Banks periodically adjust risk parameters based on macroeconomic conditions, RBI guidelines, and portfolio performance. During tighter cycles, even well-qualified applicants may see stricter cut-offs or longer processing times.
  • 12. Geographic Location & Market Segment: Tier-1 metros (Mumbai, Delhi, Bangalore) typically have higher minimum income requirements and stricter credit score thresholds compared to Tier-2/3 cities. Applicants in emerging markets may receive relaxed criteria but also lower initial limits.

Frequently Asked Questions (FAQs)

1. What is the IndusInd Bank EazyDiner Credit Card?
It’s a co-branded credit card offered by IndusInd Bank in partnership with EazyDiner, designed to offer premium dining and lifestyle benefits.
2. What are the key benefits of the EazyDiner Credit Card?
Cardholders can enjoy up to 50% off on dining, 3X EazyPoints on all spends, complimentary EazyDiner Prime membership, and domestic airport lounge access.
3. Who is eligible for the EazyDiner Premium Credit Card?
Salaried or self-employed individuals with a good credit history and a stable income can apply. Minimum income criteria may vary depending on the issuing channel.
4. What is the joining fee and annual fee for the card?
The card typically has a nominal joining and annual fee, which may be waived on achieving annual spending thresholds. Charges may vary based on promotional offers.
5. Is there any welcome benefit on joining?
Yes, new cardholders receive a complimentary 1-year EazyDiner Prime membership and bonus EazyPoints upon joining.
6. What is EazyDiner Prime membership?
It is a premium subscription that offers 25% to 50% discounts at over 2,000 top-rated restaurants across India, along with exclusive access to dining deals.
7. How do I earn EazyPoints with this card?
You earn 3X EazyPoints on all transactions made using the card. Points can be tracked and redeemed on the EazyDiner app.
8. Can I use EazyPoints to pay restaurant bills?
Yes, EazyPoints can be redeemed for instant discounts or to pay restaurant bills in full at participating partner restaurants via the EazyDiner platform.
9. Are there any lounge access benefits with this card?
Yes, the card offers complimentary access to select domestic airport lounges in India, subject to usage limits and applicable terms.
10. Is the card accepted internationally?
Yes, the EazyDiner Credit Card is accepted globally at all merchants that accept Mastercard.
11. Are there any fuel surcharge waivers?
Yes, the card offers a 1% fuel surcharge waiver on eligible fuel transactions, usually capped per billing cycle. Check specific limits in your terms and conditions.
12. Can I convert purchases into EMIs?
Yes, you can convert eligible high-value purchases into EMIs at attractive interest rates, subject to bank approval and transaction amount.
13. How can I apply for the EazyDiner Premium Credit Card?
Apply online through the IndusInd Bank or EazyDiner website, or offline by visiting an IndusInd Bank branch. Fill in the form, verify your details, and complete KYC.
14. Is there a mobile app to manage my card?
Yes, you can manage your card through the IndusInd Bank mobile app for payments, reward tracking, transaction history, and setting limits.
15. What is the customer care number for card queries?
You can contact IndusInd Bank’s 24x7 customer care via their official website or toll-free number for any card-related queries or support.
16. How secure is the EazyDiner Credit Card for online transactions?
The card supports chip and PIN technology, along with OTP-based verification, ensuring secure and protected online and in-store transactions.

List of IndusInd Bank EazyDiner Premium Credit Card Branches in Karnataka

  • Bangalore - Jalahalli
  • Bangalore - Jayanagar (Various Blocks)
  • Karnataka - Jigani (Bangalore)
  • Bangalore - JP Nagar (Various Phases)
  • Karnataka - Kadur
  • Bangalore - Kaggadasapura
  • Bangalore - Kamakshipalya
  • Karnataka - Kanakapura
  • Karnataka - Karwar
  • Bangalore - Kengeri
  • Karnataka - Kolar
  • Karnataka - Kollegal
  • Karnataka - Koppal
  • Bangalore - Koramangala (Various Blocks)
  • Bangalore - KR Puram
  • Bangalore - Kumaraswamy Layout
  • Karnataka - Kushal Nagar (Kodagu Dist.)
  • Bangalore - Lakshminarayanapuram
  • Bangalore - Magadi Road
  • Bangalore - Mahalakshmi Layout